First Community Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Fed funds purchased and repos climbed 16.9% in Q2 2026, from $18.0M to $21.1M. It was the largest change from Q1 2026 among the key lines here. Within Texas, First Community Bank is 207th of 346 on loan-to-deposit ratio, 66.93% as of Q2 2026. First Community Bank reported 66.93% on loan-to-deposit ratio for Q2 2026, 13.63 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $85.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $300.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $21.1M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.93% |
| Net loans and leases to deposits | 66.07% |
| Loans and leases to core deposits | 78.23% |
| Core deposits to total deposits | 85.55% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 66.73% | 90.25% | $18.4M | $15.0M |
| Q4 2023 | 69.69% | 88.65% | $16.5M | $31.0M |
| Q1 2024 | 71.67% | 88.40% | $17.8M | $53.0M |
| Q2 2024 | 71.36% | 87.41% | $15.8M | $53.0M |
| Q3 2024 | 70.26% | 86.02% | $17.7M | $21.0M |
| Q4 2024 | 72.20% | 84.94% | $15.5M | $15.0M |
| Q1 2025 | 73.14% | 85.50% | $17.5M | $10.0M |
| Q2 2025 | 71.64% | 85.42% | $15.7M | $15.0M |
| Q3 2025 | 68.33% | 85.66% | $17.7M | $0 |
| Q4 2025 | 68.48% | 85.33% | $16.4M | $0 |
| Q1 2026 | 66.58% | 85.81% | $18.0M | $0 |
| Q2 2026 | 66.93% | 85.55% | $21.1M | $0 |
First Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Community Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22964) · FFIEC NIC profile (RSSD 334264)